Know the amount, the use, how it pays back, and the payment you can carry. Funders approve faster when the request is specific.
Check my optionsRequirements
You do not need a 30-page business plan to apply for most small-business funding. A one-page plan that states the need, the amount, the use, the payback and the risks makes the application stronger and keeps you from borrowing the wrong amount.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Your file goes to funders that fit it, so offers can be compared.
Existing balances of $100,000 or less can be bought out.
A person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Section one is the need, in two or three sentences: what is happening in the business and why capital is needed now. For example, a signed contract requires $28,000 in materials before the first draw, or the slow season leaves a six-week payroll gap. Being specific helps underwriters and keeps the amount anchored to reality.
Section two is the amount and the use, itemized. List each cost and its source: supplier quotes, payroll calculations, repair estimates. Note any portion you will cover from cash. Section three is the payback: when the funded activity starts producing cash, how much, and how the payment fits your weekly or monthly cash flow, including your slowest month.
Section four is risks and backups. What could delay the payback, such as a client paying late or a season starting slowly, and what you would do: reduce owner draws, defer a purchase, use reserve funds or contact the funder about a reconciliation. Funders find this reassuring, and writing it forces you to check whether the plan is robust.
Section five is the product choice: why a revenue-based advance, a line of credit, equipment financing or a bank loan fits this need, based on timing, cost and qualification. Keep the plan with your application documents; through MFE, a clear plan plus complete statements helps funders size offers quickly, with credit from 500 considered.
Here is an offer that would match the amount in a one-page plan. Illustrative numbers.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| 1. Need | What and why now |
| 2. Amount and use | Itemized with sources |
| 3. Payback | When, how much, payment fit |
| 4. Risks and backups | What could go wrong and the response |
| 5. Product choice | Why this product fits |
Good fit:
Probably not yet:
Not for most revenue-based funding; a short plan still helps. Banks and SBA lenders may require more.
Need, amount and use, payback, risks and product choice.
It anchors the request to real costs and avoids over-borrowing.
Yes, with your backup plan; it shows realism.
One page is enough for most small-business requests.
It can, by answering questions underwriters would otherwise ask.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding